Yes, please, do just say what you feel. I'm sure you aren't making anyone feel attacked. You're having a dreadful time of it at the moment, and this really is a safe place with kind people where noone thinks anything negative about you. Of course you're frustrated, so hopefully will feel completely free to say so.
Gosh it's so odd what the insurance companies pay for and what they won't. I can never figure them out.
I hope you're able to at least be kind to yourself today. As you say, you have worked hard for so long. It seems to me that just having done that, it means your life has certainly, absolutely meant something very valuable and important. I don't know. It must be beyond frustrating to have not enough materially to show for all that work, but you DID it. I'm very sorry not to be explaining myself very well. Maybe I'm trying to say that in reading your posts you come across as a person whose life has been very worthy of respect because of the way you've lived it. Your struggle now is also full of dignity and I really do hope to read your healing becomes some source of peace for you.
Do take care,
Anni